Group Health Plans
Finding the right group health plan for your business can be downright intimidating: sorting through lists of insurance companies and plans; checking and re-checking the dollars and totals for deductibles and co-pays; making sense of plan limitations and exclusions; and deciphering a dictionary’s worth of insurance-speak. It’s enough to make anyone feel like a high-school freshman again.
You don’t have the time for all this research and number crunching. But can you really afford to leave it on your “maybe someday” list? As the cost of medical care rises, the risks of not having health insurance are more apparent than ever. Today a single injury or illness -if uninsured- can leave a family in financial ruin. Moreover, group health coverage is a key benefit of employment. You may not be able to hire and keep the best employees without offering health coverage. The point is: don’t procrastinate!
But take heart: a little basic knowledge can help you shake off those freshman jitters. Here are three quick lessons to help you find high-quality insurance at a reasonable price:
- Know the type of benefits you need
- Ask your Stonebraker McQuary Insurance Agent to shop for multiple quotes
- Take full advantage of all available tax benefits
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Although aggressive driving can be characterized by any number of motor vehicle violations, a few common offenses include: running red lights, speeding and weaving dangerously in and out of traffic. Aggressive driving can also include tailgating, screaming at other drivers or making rude gestures. In extreme cases, aggressive driving turns into road rage.
Be aware of aggressive drivers and make every attempt to get out of their way. If another driver challenges you, take a deep breath and move away as best you can. You should never underestimate the other driver’s potential for aggressive behavior. If confronted by an aggressive driver the safe thing to do is to put your pride in the back seat. Don’t challenge them.
Tips to avoid aggressive drivers:
- Don’t make eye contact. Ignore any gestures and refuse to return them.
- Wear your seatbelt. It is your best protection from an aggressive driver. Your seatbelt will hold you in your seat and behind the wheel in case you need to make an abrupt driving maneuver in response to an aggressive driver.
- Resist all attempts by an aggressive driver to engage you verbally.
- Never pull over and stop when being followed or tailgated by an aggressive driver. If the aggressive driver persists in following you, do not go home. Instead, continue driving and go to the nearest police station.
- If you have a cell phone and can do it safely, call the police and report the aggressive driver by providing a vehicle description, license number, location and, if possible, direction of travel.